host: next caller is from michigan on the democratic line, becky. caller: i'm beginning i should think i ought to quit listening to c-span because i learn something new every day and my head is getting so full of stuff. host: we're glad you are learning something. we don't want your head to explode. caller: on this housing thing, i wonder if your guest -- if i could ask him a question on doing the re-- you know the government has made some of the banks change our loans. for instance, my husband lost his 30-year job and the only other job he could get was minimum wage, which was one-third of his previous income. and we still kept up with our house pavements, believe it or not, but we spent $20 short for two months in a row and we have threatened to take the house. so we have filled out all this stuff to have them read do it. they said we qualified and sent us all this paperwork and everything. then we get this guy's name that we are supposed to go through, if we have any problems. everything was fine for about a month. and then they started calling a